Compare Bank & Credit Union Rates
Best CD rates and certificates
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Barnstable Town, MA metro
- 4.35%APY$547 over 15 months on $10,000
4.27% interest rate · Balance cap $5,000,000 · Effective Oct 15, 2026
Rate checked
More details - 4.30%APY$652 over 18 months on $10,000intro rate
Requirements
Product: Personal accounts only. Early withdrawal penalty may apply. Automatically renews at standard Personal Account CD rates at maturity unless instructed otherwise.
Offer: Monthly interest compounding. Minimum opening deposit $2,500.
Promotional rate · 4.22% interest rate · Effective Oct 2, 2026
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More details - 4.25%APY$353 over 10 months on $10,000
Requirements
Product: Term Accounts Subject to Substantial Penalties for Early Withdrawal. Maintenance and / or Activity Fees could Reduce Earnings. Rates may Change after Account Opening. Rates are Subject to Change. Contact your Local Branch Office for Details.
4.16% interest rate · Effective Oct 2, 2026
Rate checked
More details - 4.15%APY$629 over 18 months on $10,000
Requirements
Product: Minimum deposit to open is $1,000; maximum deposit to open is $1,000,000.00. You must maintain a minimum balance of $0.01 in the account each day to obtain the disclosed APY. Compounded daily. A penalty may be imposed for early withdrawal. Fees may reduce earnings.
Offer: Select 18-Month CD. Compounded daily. Minimum balance of $0.01 required daily to obtain disclosed APY.
4.07% interest rate · Compounded daily · Balance cap $1,000,000 · Effective Oct 6, 2026
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More details - 4.10%APY$410 over 1 year on $10,000
Requirements
Product: Must be a member of Service CU or establish membership with $5 in a Primary Savings Account. Early withdrawal penalties may apply. No monthly maintenance fees.
Offer: Dividends compounded and credited monthly.
4.03% interest rate · Effective Oct 16, 2026
Rate checked
More details - 4.00%APY$198 over 6 months on $10,000with conditions
Requirements
Product: New money only. Only one CD per household; business entities are not eligible. Earns 4.00% APY plus an additional 4.00% annualized bonus (8.00% effective annualized return) if client applies for a first lien closed end mortgage loan with Leader Bank on or after December 25, 2025, and closes on or before the initial 6-month maturity date.
Offer: Base rate. New money only. Maximum deposit $100,000. One CD per household.
Qualified rate · 3.96% interest rate · Balance cap $100,000 · Effective Oct 15, 2026
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More details - 4.00%APY$400 over 1 year on $10,000with conditions
Requirements
Product: Available to new and existing customers. Minimum balance to open all CDs is $1,000. A penalty may be imposed for early withdrawal. 91 Day CD includes one penalty-free withdrawal per term after seven days from account opening.
Offer: Available exclusively to Premier5 relationship customers.
Qualified rate · Effective Oct 13, 2026
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More details - 3.75%APY$217 over 7 months on $10,000
Requirements
Product: At maturity, automatically renews into a 3 Month Flexible CD at a lower interest rate unless changed during 7-day grace period. Online opening limit is $250,000.
3.69% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Featured CD Balance APY Up to $9,999 3.75% $10,000 – $99,999Your amount 3.75% $100,000 – $999,999 4.11% $1,000,000 and up 4.11% Rate checked
More details - 3.70%APY$122 over 4 months on $10,000intro rate
Requirements
Product: All CD terms listed are available to business and consumer clients. Cannot be combined with any other offers. Certificates of Deposit are subject to penalty for early withdrawal of principal. Interest is compounded monthly.
Offer: 4 Month Special. 4-month and 8-month CDs are not available as an IRA or passbook.
Promotional rate · 3.64% interest rate · Compounded monthly · Effective Oct 15, 2026
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More details - 3.70%APY$370 over 1 year on $10,000
Requirements
Product: Rates effective: September 25, 2026. $1,000 minimum to open and $1,000 balance needed to earn the stated APY. APY assumes funds remain in the account until maturity. Early withdrawals may incur penalties and fees may reduce savings. Rates are guaranteed for the length of the term with fixed rate term accounts.
Offer: Term: 12 months.
3.64% interest rate · Effective Sep 25, 2026
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More details - 3.30%APY$219 over 8 months on $10,000with conditions
Requirements
Product: Minimum deposit requirement of $1,000 to open a CD. Penalty for early withdrawal.
Offer: Requires linked qualifying Chase checking account.
Qualified rate · 3.25% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Up to $9,999 3.30% $10,000 – $99,999Your amount 3.30% $100,000 and up 3.80% Rate checked
More details - 3.15%APY$315 over 1 year on $10,000
Requirements
Product: A penalty of 7 days interest will be imposed for early withdrawals within the first 6 days of the account term or following any partial withdrawal. Automatically renews into a 3 Month Flexible CD at maturity unless changed during 7-day grace period. Online opening limit is $250,000.
3.11% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Flexible CD Balance APY Up to $9,999 3.15% $10,000 – $99,999Your amount 3.15% $100,000 – $999,999 3.65% $1,000,000 and up 3.65% Rate checked
More details - 2.02%APY$50 over 3 months on $10,000
Requirements
Product: Personal accounts only. A penalty may be imposed for early withdrawal. Certificate of Deposit will be renewed automatically at maturity unless instructed otherwise.
Offer: Simple compounding.
2.00% interest rate · Effective Oct 2, 2026
Rate checked
More details - First Citizens Federal Credit UnionTerm CertificateCD · 36 months · $500 min
Credit union · 4 branches
0.75%APY$227 over 36 months on $10,000Requirements
Product: Dividends compounded and paid monthly. Penalties may be imposed for early withdrawal. Rates subject to approval and change at any time. No annual maintenance fees.
0.75% interest rate · Effective Mar 24, 2020
Rate checked
More details - 0.05%APY$2 over 6 months on $10,000with conditions
Requirements
Product: CD ladders are a group of four CDs opened at the same time for the same amount with different terms, with a minimum of $1,000 in each CD. A linked Chase Private Client Checking account is required.
Offer: 12-month CD ladder relationship rate. Requires linked Chase Private Client Checking account.
Qualified rate · 0.02% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for CD Ladder Balance APY Up to $9,999 0.02% $10,000 – $99,999Your amount 0.05% $100,000 and up 0.05% Rate checked
More details
Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
What CDs pay in Barnstable Town, MA metro
201 CDs at 11 banks and credit unions · checked Oct 5–22
- Typical
- 2.50%
- Top 10% from
- 4.20%
- Banks, typical
- 2.50%
- Credit unions, typical
- 2.45%
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Find your bank or credit union to see all its rates and how they compare near you.
Barnstable Town, MA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Service Credit UnionCredit union · 1 branch
- Leader BankBank · 1 branch
- Cape Cod 5Bank · 16 branches